COMMERCIAL INSURANCE

Professional Indemnity

Professional indemnity insurance offers protection against lawsuits filed against a business, its owners, its partners, and its workers. It covers claims made against you related to the performance of your professional activities.

Cyber

Ransomware attacks, cybercrime, privacy incidents, data breaches, and other risks can cost professional service organisations a lot of money and reputational damage.

Cybersecurity or cyber insurance is designed to provide coverage during such situations.

General Property

Professionals, like photographers, architects, and engineers, typically bring specialised equipment to and from their business premises and client locations. This can include electronic instruments, mobile phones, top-of-the-line computers, and photographic equipment — which all need to be protected and specified in the policy schedule.

Building and Contents

Building and contents coverage includes both the property where you operate or work and the items inside. It protects your commercial property and the goods or items within if they are damaged in a natural disaster, electrical fire, break-in, or other unexpected occurrences.

Business Interruption

Risk is an inherent aspect of business. Structures deteriorate, water tanks leak, and staff members can make costly errors. Unexpected natural disasters like fires, tornadoes, hurricanes, and flash floods can also abruptly close down a business. They can destroy inventory, damage machinery, and even ruin buildings.

Interactive claim forms are available for completion and to email us at: robj@giba.com.au